Online Productivity Tools

I learned about the pros and cons of using web-based "office" programs. One advantage for personal use is no expense! Without purchasing a Microsoft program, one can create a flier, save it to a disc and/or print! Disadvantages might be if your internet connection was dial-up and really slow, the net might be down, or a connection may not be available at some locations. But it sounds useful to me as Christmas is around the corner and I will postpone, at least, buying myself some software. Good news!